WO2001084408A1 - Procede d'achat groupe, systeme d'achat groupe, procede de garantie de solvabilite et systeme de garantie - Google Patents

Procede d'achat groupe, systeme d'achat groupe, procede de garantie de solvabilite et systeme de garantie Download PDF

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Publication number
WO2001084408A1
WO2001084408A1 PCT/JP2001/003732 JP0103732W WO0184408A1 WO 2001084408 A1 WO2001084408 A1 WO 2001084408A1 JP 0103732 W JP0103732 W JP 0103732W WO 0184408 A1 WO0184408 A1 WO 0184408A1
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WO
WIPO (PCT)
Prior art keywords
joint
union
purchasing
user
management system
Prior art date
Application number
PCT/JP2001/003732
Other languages
English (en)
Japanese (ja)
Inventor
Kunihiko Kaji
Original Assignee
Investoria Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Investoria Inc. filed Critical Investoria Inc.
Priority to JP2001580751A priority Critical patent/JPWO2001084408A1/ja
Priority to AU52654/01A priority patent/AU5265401A/en
Publication of WO2001084408A1 publication Critical patent/WO2001084408A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a method and a system for jointly purchasing sales transactions of financial products and the like via a network such as the Internet and an intranet.
  • the present invention relates to a method and system for guaranteeing payment ability when conducting transactions via a network such as the Internet and an intranet.
  • an object of the present invention is to provide a method and system for guaranteeing a payment ability capable of making personal transactions performed over a network safe and easy. This is an issue. Disclosure of the invention
  • the invention according to the present application has been made to solve the above problems, and a joint purchase method and a joint purchase system of the present invention are provided by a plurality of persons through a network constructed by connecting terminals to each other via a communication line.
  • the plurality of persons When making a joint purchase, the plurality of persons form a joint purchase association in which the dissolution conditions are predetermined, purchase the joint purchase target by the joint purchase association, and when the dissolution conditions are satisfied, It is characterized by dissolving the purchase cooperative, selling the co-purchased object purchased, and distributing the price obtained by the sale according to each partner's share.
  • the dissolution conditions in the present invention include, besides the fact that the price of the joint purchase object purchased later reaches a certain amount and the time limit, for example, the number of joint purchasers, the number of shares, and the predetermined conditions. Is a concept that includes conditions that are concluded based on the consent of the joint purchaser, such as the indefinite term.
  • an object to be jointly purchased is purchased by a joint purchasing association formed by a plurality of persons, so that even expensive products can be purchased. Since this co-purchase cooperative is formed through a network, it can be formed by individuals scattered over a wide area.
  • the dissolution is performed when the joint purchase target is sold, and since the dissolution conditions are determined in advance, unification of the intention of the sale is attempted Labor can be reduced.
  • the dissolution condition can be a time limit.
  • the contract period is fixed and the joint purchasing association is dissolved, which enables quick decision-making.
  • the dissolution condition may be that the price in the market of the joint purchase target reaches a certain amount.
  • the joint purchase is sold when the price reaches a certain level, so the timing of the sale can be determined according to the price.
  • the interests of the joint purchase can be freely bought and sold using the membership of the union as a medium, so that it is possible to freely join and leave the union.
  • the value of the union membership is linked to the price in the market for joint purchase, the value of the union membership can be prevented from deviating from the actual price in the market.
  • the joint purchase target is newly added when there is a member who wants to continue holding.
  • the union membership of the new joint purchasing union issued to the union member who has become a member of the new joint purchasing union is the former joint purchasing union that has been dissolved. It is preferable to have a value equivalent to the value of the share of the member who wants to continue in the above.
  • the market condition can be monitored by the management system, and a cooperative purchasing union can be formed with appropriate evening and dissolution conditions.
  • recruitment information is sent to each user, applicants can be recruited quickly.
  • the timing of the joint purchasing association can be determined by the user's free will.
  • the management system since the user simply sends a request notification to the management system, the management system performs the recruitment process for applicants, so that the user's labor can be reduced.
  • the system and method for guaranteeing payment ability of the present invention allow users to communicate between users via a network constructed by connecting terminals to each other via a communication line.
  • a security institution that manages the assets of the user such as a financial institution or a card company, is set up on the network, and in response to a request from the user, the management system issues the relevant It inquires about the user's asset status, determines whether the user has the ability to pay, and notifies the user's trading partner of this determination.
  • each individual's financial credit guarantee (guarantee of solvency) can be obtained by checking the account contents and credit card in a financial institution such as a bank or a securities company.
  • a financial institution such as a bank or a securities company.
  • each guarantor certifies and informs the counterparty of the transaction whether or not the specified solvency is present.
  • the possibility of financial problems occurring between each other is reduced, so that active mutual transactions and joint purchase of products can be made on the net.
  • the transaction partner is notified of whether the transaction is possible, that is, a proof of the ability to pay, and there is a possibility that unnecessary personal information is leaked to another party. Absent. BRIEF DESCRIPTION OF THE FIGURES
  • FIG. 1 is a block diagram showing a schematic configuration of the guarantee system according to the first embodiment of the present invention.
  • FIG. 2 is an explanatory diagram showing a procedure at the time of new registration when using a financial institution in the first embodiment.
  • FIG. 3 is an explanatory diagram showing a procedure before inter-individual transaction when using a financial institution in the first embodiment.
  • FIG. 4 is an explanatory diagram showing a procedure after a transaction between individuals when using a financial institution in the first embodiment.
  • FIG. 5 shows the new registration when using the card company in the first embodiment.
  • FIG. 7 is an explanatory diagram showing a procedure at the time.
  • FIG. 6 is an explanatory diagram showing a procedure before individual transaction when using the card company in the first embodiment.
  • FIG. 7 is an explanatory diagram showing a procedure after the transaction between individuals when using the card company in the first embodiment.
  • FIG. 8 is a block diagram illustrating a schematic configuration of a joint purchase system according to the second embodiment of the present invention.
  • FIG. 9 is an explanatory diagram showing an outline of a solvency guarantee function of the management system 2 in the second embodiment.
  • FIG. 10 is an explanatory diagram showing a procedure of a user registration process for the management system 2 in the second embodiment.
  • FIG. 11 is an explanatory diagram showing a procedure of an initial procedure when a user proposes a joint purchase in the second embodiment.
  • FIG. 12 is an explanatory diagram showing a procedure of an initial procedure when a joint purchase is proposed from the management side in the second embodiment.
  • FIG. 13 is an explanatory diagram showing a procedure in the case of buying and selling shares between members during the holding period of the joint purchase target in the second embodiment.
  • FIG. 14 is an explanatory diagram showing a procedure of a procedure before a transaction in a process of guaranteeing the ability to pay when performing trading between union members in the second embodiment.
  • FIG. 15 is an explanatory diagram showing a procedure of a post-transaction procedure of guarantee processing of the solvency ability when trading between partners in the second embodiment.
  • FIG. 16 is an explanatory diagram showing a procedure at the end of the union period in the case of continuing to join the union in the second embodiment.
  • FIG. 17 is an explanatory diagram showing the procedure at the end of the union period when continuing to join the union in the second embodiment.
  • FIG. 1 is a schematic configuration diagram showing a guarantee system according to the present embodiment.
  • the guarantee system is for guaranteeing an individual's ability to pay when making a sales contract for a product or the like using the Internet 1, as shown in FIG. 1 (a).
  • the Internet 1 there are a management system 1 having a user database 21 and a financial institution 3 and a credit card company 4 that prove the solvency.
  • the user A or the user B can access the management system 1 via the Internet 1.
  • the Internet 1 is a communication constructed by connecting general-purpose computers such as personal computers and terminal devices such as portable terminals to each other via telephone lines, dedicated lines, LANs, wireless lines, and the like. It is a network.
  • users A and B are individuals who conduct personal transactions of goods etc. via Internet 1 Net.
  • the management system 2 is installed on the Internet 1 to receive access from a user, and to inquire the financial institution 3 or the card company 4 for credit information of the solvency. And a function for notifying the trading partner of information regarding only the ability to pay.
  • the user database 21 of the management system 2 includes an area 21a for storing personal information of each user A and B and a transaction status between the users A and B. And an area 21 c for storing credit information of each user.
  • the financial institution 3 is a person who has information on personal assets such as banks, securities, and post offices, for example.
  • the card company 4 is a person who can grasp information on an individual's ability to pay, such as a credit card company.
  • FIGS. 2 to 4 are explanatory diagrams showing the steps of a method of guaranteeing the solvency when using a financial institution.
  • FIG. 2 shows the procedure for user A to newly register a user.
  • user A applies for user registration via the Internet1.
  • the user A sends general information and information on the financial institution used to the management system 2 (1).
  • information for identifying financial institution 3 is transmitted.
  • the management system 2 Upon receiving this application, the management system 2 saves the information sent from the user A in the user database 21 (2) and requests the identified financial institution 3 to confirm the financial institution information on the user A. Yes (3).
  • the financial institution 3 In response to the request from the management system 2, the financial institution 3 sends the financial institution information confirmation regarding the user A to the management system 2, and the management system 2 transmits the financial institution information confirmation to the user data.
  • Register to Base 2 1 (4) Confirmation of the registered contents is performed for user A (5). After the user registration is completed in the management system 2 in this manner, the user A can receive the payment ability guarantee service by the management system 2 in the case of a transaction between individuals.
  • Figure 3 shows the procedure before the transaction between individuals.
  • the management system 2 registers the transaction information transmitted from the user A in the user database 21 (3), and confirms the financial institution information such as the balance with the financial institution 3 (4). . After this confirmation, the management system 2 notifies the user A that the assurance information has been confirmed (5). At the same time, the management system 2 temporarily changes the financial institution information to account balances and the like that will fluctuate when a transaction is made between the users A and B, and sends the information to the financial institution 3 At the same time, the temporary change information is registered in the user database 21 (6).
  • the management system 2 determines whether or not the user A has the ability to pay based on the account balance and the like of the user A, and then obtains personal compensation information such as the presence or absence of the ability to pay (possible or impossible of a transaction). Is notified to user B who is a business partner (7)
  • Figure 3 shows the procedure after the transaction.
  • User A After the transaction between User A and User B is completed (1), User A notifies management system 2 that the transaction has been completed, and upon receiving this notification, management system 2 updates the transaction contents. Register in the one-to-one database 21 (2). In addition, the management system 2 notifies the financial institution 3 that the transaction has been completed and the transaction amount, and notifies the financial institution 3 of the temporarily changed financial institution information in the user database 21 to the financial institution 3. Request this change for the account balance, etc. in (3).
  • management system 2 Upon receiving this request, financial institution 3 makes this change for User A's account, notifies management system 2 of the change, and upon receiving this notification, management system 2 updates user database 21 with the change. Register (4). -Further, the management system 2 notifies the user A that the financial institution 3 has completed the settlement procedure, and the financial institution transfers the funds to the payee (5).
  • 5 to 7 are explanatory diagrams showing the procedure of a method of guaranteeing the solvency when using a force company.
  • Figure 5 shows the procedure for user-A to perform new user registration.
  • user A applies for user 1 registration via the Internet 1.
  • the user A sends general information and information on the financial institution used to the management system 2 (1).
  • information for specifying the card company 4 is transmitted.
  • the management system 2 Upon receiving this application, the management system 2 saves the information sent from the user A in the user database 21 (2) and identifies the information. Request the credit card company 4 confirming the card information for User A (3).
  • the force company 4 sends a force information confirmation regarding the user A to the management system 2, and the management system 2 transmits the card information confirmation to the user database 2 1. (4), and confirms the registered contents to User A (5).
  • Figure 6 shows the procedure before the transaction between individuals.
  • the purchase and sale of merchandise, etc., between the user A and the user B (in this case, a transaction in which the user ⁇ pays the user ⁇ ) is started.
  • the user A sends the transaction information to the management system 2 and requests confirmation of the assurance information relating to itself (2).
  • the management system 2 executes registers the transaction information sent from the user A to the Interview one The one database 2 1 (3), credit, tradable remaining check higher card usage to the card company 4 (Four) . After this confirmation, the management system 2 notifies the user A that the assurance information has been confirmed (5). At the same time, the management system 2 temporarily changes the card information to the card use situation that will fluctuate when a transaction is made between the users A and B, and sends the card information to the card company 4. At the same time, the temporary change information is registered in the user database 21 (6).
  • the management system 2 determines whether or not the user A has the ability to pay based on the card use status of the user A, etc., and then outputs personal compensation information such as whether or not the user has the ability to pay (transaction possible or impossible). Notify the trading partner User B (7). In this way, after confirming whether or not the user A has the ability to pay, the actual transaction is performed.
  • Figure 7 shows the procedure after the transaction. After the transaction between User A and User B is completed (1), User A notifies the management system 2 that the transaction has been completed, and upon receiving this notification, Management System 2 stores the transaction contents in the user database. Register in the resource 21 (2).
  • the management system 2 notifies the card company 4 of the conclusion of the transaction and the transaction amount, and also stores the card information such as the card usage status that was temporarily changed in the user database 21 into the card company. Notify Company 4 and make a request for this change regarding the usage status of Card Company 4 (3).
  • the force company 4 makes this change to the account of the user A, notifies the management system 2 of the change, and the management system 2 receiving the notification makes the user 21 Register the changes in 1 (4).
  • the management system 2 notifies the user A that the settlement procedure has been completed in the card company 4, and the card company 4 performs payment on behalf of the payee (5).
  • the financial credit guarantee (guarantee of solvency) of each user A or B is provided by the account in the financial institution 3 such as the bank or the certificate.
  • the content and the credit card use status at the card company 4 are certified, and the management system 2 notifies the counterparty of the transaction whether or not the certified payment ability is present.
  • the potential for financial problems between users A and B is reduced, and active mutual transactions and joint purchase of products can be made on the net.
  • the management system 2 notifies the counterparty of the transaction with the proof that the transaction is possible, that is, whether or not the user has the ability to pay. Because of this, there is no danger of unnecessarily leaking personal information to others. ⁇ Second embodiment
  • FIG. 8 is a schematic configuration diagram showing the joint purchase system according to the present embodiment.
  • the joint purchase system is for jointly purchasing financial instruments such as stock securities traded in a market (market) 14 using the Internet 1.
  • a virtual union 13 formed by a plurality of users and a management system 2 for managing and operating the virtual union 13 are provided on the Internet 1.
  • the management system 2 is installed on the Internet 1 and receives access from the user. In addition to the payment ability guarantee function of the first embodiment described above, the management system 2 is also installed on the Internet 1. It manages and manages a virtual union 13 that is a virtually formed community, and also has a function to buy and sell financial products in the market 14. Also in the present embodiment, the management system 2 has a user database 21 for storing data such as personal information of members forming the virtual union 13. This user database 21 stores not only personal information and credit information of a registered user, but also a stake in the virtual union 13 as in the first embodiment. .
  • the virtual union 13 is virtually formed on the Internet 1 under certain dissolution conditions in order to jointly purchase financial products and the like. It is a joint purchasing union by multiple individuals.
  • financial instrument refers to all financial instruments such as securities and associated financial instruments
  • curities includes securities and the like.
  • Such securities include, for example, derivative products (options, futures, forwards, stock acquisition rights, etc.) using each security as the underlying asset, or those that index multiple securities and their Includes derivative products (Nikkei 225 Index, topics, etc. and their options, futures, forwards, etc.).
  • the dissolution conditions in the present embodiment include, besides the fact that the price of the purchased co-purchase target, which will be described later, reaches a certain amount and the time limit, for example, the number of co-purchasers, the number of shares, and the predetermined conditions.
  • the concept below includes conditions that are concluded based on the consent of the co-purchaser, such as indefinitely remaining (payment ability guarantee function)
  • FIG. 9 is a block diagram schematically illustrating a payment ability guarantee function of the management system 2 according to the present embodiment. As shown in the figure, the management system 2 is connected to a financial institution 13 and a card company 14 that prove the solvency by way of the Internet 1.
  • the management system 2 inquires the credit institution 13 or the credit card company 14 for credit information regarding the solvency of the trader when the user buys or sells the union right in this embodiment. It has the function of notifying the transaction partner of the information obtained only from the financial institution 13 or the card company 14 concerning only the ability to pay.
  • users A to E apply for user registration via the Internet 1.
  • the users A to E transmit general information and information on the financial institution 13 and the card company 14 used by each user to the management system 2 (1)
  • the management system 2 receiving this application stores the information sent from each user A to E in the user database 21 (2), and also sends the information to the specified financial institution 13 and card company 14 Request confirmation of financial institution information or card information for each user A to E (3).
  • the financial institution 13 or the card company 14 sends the financial institution information or confirmation of the use status of the users A to E to the management system 2, and the management system 2 Will register this financial institution information or force usage status confirmation in the user database 21 (4), and confirm the registered contents to User A (5).
  • the users A to E can receive the payment ability guarantee service by the management system 2 at the time of a transaction between individuals.
  • FIG. 11 is an explanatory diagram showing a procedure of an initial procedure in the user-one proposal type. The following description is based on the premise that User A proposes a joint purchase.
  • a joint purchase proposal is transmitted from the user A to the management system 2 via the Internet 1.
  • the proposals include the issues to be jointly purchased, the amount to buy, the timing and other conditions.
  • the management system 2 receiving the proposal registers the target and conditions of the joint purchase in the user data base 21.
  • the management system 2 checks the market conditions such as the price of the product that is the object of the proposal, and checks the provisional conditions (purchase price) for forming the union. , The number of union members, ownership ratio, dissolution time or dissolution price, etc.), and propose recruitment members by sending them to users A to E.
  • each of the users A to E applies for the union conditions desired by themselves (confirm user requirements, book building, etc.).
  • the management system 2 registers the application contents of each user in the user 21 on the evening and confirms the target user qualification.
  • the qualification of the target user is, for example, whether or not the user has the ability to pay for the price, and this is confirmed using the above-mentioned guarantee function.
  • the management system 2 After the determination of the union conditions, as shown in Figure (d), the management system 2 prepares a contract that describes the union and consignment conditions based on the determined union conditions, and A message that has sent conditions that match the union conditions —Send to the first.
  • a virtual union 13 is formed by the users A, C, and E, and the members A, C, and E, which are members of the union, own virtual shares 3a to 3c that are virtually distributed, respectively.
  • the management system 2 registers such union contents in the user database 21.
  • the management system 2 purchases and stores the financial products subject to joint purchase based on the contract, as shown in FIG. Notify the virtual union 13 to the effect. In addition, the management system 2 notifies the virtual union 13 of the union initial conditions finally determined by the purchase of the financial instrument. These notifications are made by the management system 2 by sending e-mails to the respective users A, C, and E.
  • the management system 2 issues a union certificate with new union preferential participation rights and collects capital from union members. After that, the member information will be registered in User Information 21 on these contents.
  • the union right with the preferential right to join the new union is a right that has a value according to the ownership and split of the co-purchased financial instruments. Using this right as a medium, each user can transfer his or her share to a third party ( It can be transferred (including both paid and free) to other union members. In addition, this right has the right to preferentially join the new virtual union when the current virtual union 1 '3 is dissolved (new union preferential right to join).
  • FIG. 12 is an explanatory diagram showing the procedure of the initial procedure in the management-side proposal type. Here, the description will be made on the assumption that the management system 2 proposes joint purchase.
  • the management system 2 determines the targets suitable for joint purchase by checking the status of the market 14, proposes a plurality of provisional union conditions, and recruit members by sending them to AC.
  • each user A to E will apply by sending their desired union conditions (confirmation of user request, Book Building, etc.), as shown in Fig. 7 (b).
  • management system 2 the user - to Tomo
  • you register the application contents of each user in the database 2 1 to confirm the target user one qualification that is suitable for temporary union conditions proposed by the management system 2 side.
  • the qualification of the target user is, for example, whether or not the user has the ability to pay for the price, and this is confirmed by using the guarantee function described above. After confirming that the target user has qualifications, by examining the applied conditions, it decides more appropriate union conditions (establishment conditions, dissolution conditions).
  • the management system 2 After the union conditions are determined, as shown in Figure (c), the management system 2 prepares a contract (union and consignment conditions) based on the determined union conditions, and determines the determined union conditions. Sent to the user who sent the conditions that conformed to. Here, it is assumed that the users A, C, and E conform. As a result, a virtual union is formed by the users A, C, and E, and the users A, C, and E, which are members, are virtually allocated virtual shares. 3a to 3c, respectively. The management system 2 ′ registers such union contents in the user database 21.
  • a contract union and consignment conditions
  • Fig. 2 purchases and keeps the financial instruments to be jointly purchased based on the contract, and notifies the virtual union 13 to that effect.
  • the management system 2 notifies the virtual union 13 of the union initial conditions finally determined by the purchase of the financial instrument.
  • These notifications are made by the management system 2 by sending e-mails to the individual users A, C, and E. -In conjunction with these notices, the management system 2 issues a union certificate with new union preferential right to join and collects capital from union members. After that, the member information is registered in the user database 21 for these contents. (During the holding period)
  • FIG. 13 shows the procedure of transactions between members during the holding period.
  • user A who is a member, buys and sells his or her virtual interest 3a to user E.
  • an instruction to sell its own virtual stake is sent from the user A to the management system 2 through the virtual union 13.
  • the management system 2 registers the sales conditions in the user database 21.
  • each user B-E may be notified that the user A has received the instruction to sell.
  • the management system 2 registers the purchase condition from the user E and confirms the transaction qualification of the user E.
  • the transaction qualification is, for example, whether or not the user has the ability to pay for the price, and the confirmation is made by using the guarantee function described above.
  • the management system 2 retrieves the sales instruction and the purchase instruction as shown in FIG. 11C, and matches the sales instruction and the purchase instruction that meet the conditions.
  • the management system 2 checks the status of the market 14, obtains the market price of the issue that is the target of the joint purchase, and, between the obtained market price and the users A and E. Matching with the sales conditions in.
  • the price calculated by multiplying the price of the financial product in the market 14 by the ratio of the ownership of the user A is defined as the price of the union right that the user A currently has.
  • the price of the union right that the user A currently has.
  • Fig. 13 (b) The confirmation of the transaction qualification shown in Fig. 13 (b) is performed by using the payment ability guarantee function of the management system 2.
  • Figures 14 and 15 show the procedure for confirming this transaction qualification. Note that the following explanation is based on the assumption that user E uses financial institution 13 as a guarantee organization for his or her solvency.
  • the management system 2 registers the transaction information sent from the user E to Interview one The one database 2 1 (3), the financial institution information check balance such financial institutions 1 3 (4) . After this confirmation, 'Management system 2 notifies user E that the warranty information has been confirmed. (5) At the same time, management system 2 establishes a transaction between users A and E. Temporarily change the financial institution information to account balance etc. that will change if it is established, send this to financial institution 13 and send this temporary change information to the user.
  • the management system 2 determines whether or not the user E has the ability to pay based on the account balance and the like of the user A, and then outputs personal compensation information such as whether or not the user has the ability to pay (possible or impossible of transactions). , Trading partner
  • management system 2 After the transaction is completed between user A and user E (1), user E notifies management system 2 that the transaction has been completed, and upon receiving this notification, management system 2 stores the transaction content in user database 21. Register (2). In addition, the management system 2 notifies the financial institution 13 of the fact that the transaction has been completed and the transaction amount, and transmits the financial institution information temporarily changed in the user database 21 to the financial institution 13. And make a request for this change regarding the account balance of financial institution 13 (3). Upon receiving this request, the financial institution 13 makes this change to the account of the user E, notifies the management system 2 of the change, and the management system 2 that has received the notification changes the user database 21. Register the content (4).
  • the management system 2 notifies the user E that the financial institution 13 has completed the closing procedure. At the same time, the financial institution 13 transfers the funds to the account of the user A as the payee (5).
  • each union member can effectively maintain its own stake by re-joining the newly formed virtual combination. However, if a new virtual union is not formed, it will be dissolved because it cannot be rejoined.
  • Figure 16 shows the procedure at the end of the union period if it is to be continued. Note that the description here is based on the assumption that the user C keeps his / her stake.
  • the management system 2 checks the status of the market 14 to confirm the price of the brand currently being purchased, and confirms the newly formed union.
  • the provisional new union conditions are transmitted to users A and E who are current members other than user C who transmitted the request for continuation, and users B and D which are non-members.
  • the user receiving the provisional new union conditions determines whether or not to join the newly formed union, and if so, manages the union conditions (user request, Book BuiWing, etc.). Apply for 2.
  • users—B and D want to join the newly formed union.
  • the management system 2 confirms the qualifications of the users B and D who have applied.
  • the management system 2 prepares a new contract for the newly formed union and determines the union and entrustment conditions, as shown in FIG. At the same time, the management system 2 notifies users B, C, and D who are new members of the final conditions of the new union.
  • the new union will be formed by continuing the existing union, so that the brand and price purchased by the new union will be notified that the brand and price at the time of dissolution of the old union will be carried over.
  • the old union is dissolved and a new union is formed based on the notified new union initial condition notice. That is, the virtual shares 3a and 3c of users A and E who leave the union are taken over by users B and D who are new members.
  • the management system 2 Acquire the market price of the issue to be purchased from 14 and settle the accounts for users A and E who are the former union members based on this. At the same time, a new union certificate with the preferential right to join the new union will be issued to users B and D who are new members, and these users B and D will invest and a new union will be formed.
  • the management system 2 registers information on the newly joined users B and D in the User's Day 21 as information on these new unions, and keeps the information on user C continuously changed. Do.
  • Figure 17 shows the procedure at the end of the union period in the event of dissolution. Note that the following description is based on the assumption that User C wants to maintain its stake continuously.
  • a notification of the end of the union period is sent from the management system 2 to each of the members (users A, C, and E) via the virtual union 13. Sent. The notice of the end of the union period confirms each member's will to continue.
  • Management system 2 which has received the continued desire notification, continuing user one information, the user - is registered in the database 2 1.
  • the management system 2 checks the status of the market 14 to confirm the price of the brand currently being purchased, and confirms the newly formed union. Proposed multiple temporary union conditions, Send to each user.
  • the provisional new union conditions are also transmitted to the non-union members B and D. .
  • the user receiving the provisional new union conditions determines whether or not to join the newly formed union, and if so, sets the union conditions (user request, book building, etc.) in the management system 2. Apply.
  • the management system 2 confirms the qualification of the user D who has applied, and then determines whether it is possible to form a new union. Since only users C and D want to become members, it is less than the capacity and it is judged that it is impossible to form a new union. Therefore, in the present embodiment, the management system 2 transmits a non-continuation notice to the related user 'that no new union is to be formed, as shown in FIG. That is, the non-continuation notice is transmitted from the management system 2 directly to the users A, CE, and E who are current members via the virtual union 13 and to the user D who is not a non-member.
  • the management system 2 sells the stock that was purchased by the current union at the market 14, closes the price according to each user's virtual share, and dissolves the virtual union 13. I do.
  • the financial product is purchased by the virtual union 13 formed by a plurality of users A to E, so that the product is expensive. Can be purchased. Since the virtual union 13 is formed through the Internet 1, unions can be formed by individuals scattered over a wide area. In this embodiment, since the management system 2, which is a third-party organization, is provided on the Internet 1 for the management of the union members' ability to pay and the management of the union's contract items, etc. This can reduce the burden on the user when monitoring the information in (14), determining the equity value, and confirming the guarantee when buying or selling the membership.
  • the virtual union 13 is disbanded when the purchased financial products are sold, and the conditions for dissolution are set in advance due to timing or price fluctuations. Can be performed.
  • the degree of freedom of continuation will be ensured when the virtual union 13 is dissolved.
  • the management system 2 will recruit a new anti-union union.
  • a community is formed by a large number of individuals via a network, and even if a financial instrument is expensive, the purchase can be facilitated. Can ensure the freedom of purchase and sale timing while avoiding the troubles expected at that time.
  • the payment ability of the transaction partner can be confirmed by a guarantee organization such as a financial institution or a card company, and individual transactions performed via the network can be safely and securely performed. It can be easy.
  • the management system which is a third-party organization, notifies the other party only of the user's ability to pay, there is no danger of unnecessarily leaking personal information to the trading partner and security is assured. be able to.

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Abstract

L'invention concerne un système d'achat groupé destiné à former une communauté constituée de plusieurs individus par l'intermédiaire de réseaux, à faciliter l'achat de produits financiers, même pour un montant élevé, et à éviter les problèmes prévisibles lors d'un achat ou d'une vente tout en garantissant la liberté de choisir le moment de l'achat ou de la vente. Ce système d'achat groupé permet à une pluralité d'utilisateurs (A-E) d'acheter collectivement des produits via l'Internet (1) par connexion mutuelle de terminaux à des lignes de communication. On forme une union virtuelle (3) pour laquelle des conditions de dissolution sont prédéfinies, un système de contrôle (2) destiné à contrôler/gérer cette union virtuelle (3) étant créé. Ledit système de contrôle (2) achète collectivement des produits d'achat issus du marché (4) en qualité d'agent pour cette union virtuelle (3). Ensuite, lorsque l'union virtuelle (3) est sur le point d'être dissoute conformément aux conditions de dissolution, le système de contrôle vend collectivement les produits achetés et distribue l'argent obtenu à l'occasion de cette vente en fonction des parts des membres respectifs de cette union.
PCT/JP2001/003732 2000-04-27 2001-04-27 Procede d'achat groupe, systeme d'achat groupe, procede de garantie de solvabilite et systeme de garantie WO2001084408A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2001580751A JPWO2001084408A1 (ja) 2000-04-27 2001-04-27 共同購入方法、共同購入システム、支払い能力の保証方法及び保証システム
AU52654/01A AU5265401A (en) 2000-04-27 2001-04-27 Joint purchasing method, joint purchasing system, solvency guaranty method and guaranty system

Applications Claiming Priority (4)

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JP2000128225 2000-04-27
JP2000-128225 2000-04-27
JP2000128445 2000-04-27
JP2000-128445 2000-04-27

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WO2001084408A1 true WO2001084408A1 (fr) 2001-11-08

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PCT/JP2001/003732 WO2001084408A1 (fr) 2000-04-27 2001-04-27 Procede d'achat groupe, systeme d'achat groupe, procede de garantie de solvabilite et systeme de garantie

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JP (1) JPWO2001084408A1 (fr)
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014059901A (ja) * 2002-02-14 2014-04-03 Zachary Pessin 分散型資本システムの方法、コンピュータシステム、及び、コンピュータ可読媒体
JP2016517091A (ja) * 2013-03-15 2016-06-09 シーエフピーエイチ， エル．エル．シー． ドル預託証券、電子的会員取引、及びレポ取引

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09212553A (ja) * 1996-01-31 1997-08-15 Canon Inc 電子クレジットシステム及び通信装置

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09212553A (ja) * 1996-01-31 1997-08-15 Canon Inc 電子クレジットシステム及び通信装置

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014059901A (ja) * 2002-02-14 2014-04-03 Zachary Pessin 分散型資本システムの方法、コンピュータシステム、及び、コンピュータ可読媒体
US9830656B2 (en) 2002-02-14 2017-11-28 Zachary Pessin Apparatus and method of a distributed capital system
US10643279B2 (en) 2002-02-14 2020-05-05 Zachary Pessin Apparatus and method of a distributed capital system
JP2016517091A (ja) * 2013-03-15 2016-06-09 シーエフピーエイチ， エル．エル．シー． ドル預託証券、電子的会員取引、及びレポ取引
JP2019023925A (ja) * 2013-03-15 2019-02-14 シーエフピーエイチ， エル．エル．シー． ドル預託証券、電子的会員取引、及びレポ取引

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